221 Cloverbank Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 221 Cloverbank Rd, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,881 sqft · built 2020
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,990 (Oct 2020)
Tax Bill	$6,040 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028991-2480`

Property Details

APN / Parcel Number

Primary APN	`028991-2480`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,881 sqft Living Area
Gross Area	3,503 sqft
1st Floor Area	2,500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	622 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	264 sqft
Patio Area	1,624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	221 CLOVERBANK RD
City	SAINT AUGUSTINE
State	FL
Zip	32092-9362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	93/36-44 GRAN LAKE PHASE 2 LOT 248 OR5082/1266
Legal Range	28E
Legal Township	07S
Legal Section	41
Legal Subdivision	GRAN LAKE PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	248
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1002
Census Tract	20906

Owner

Source: St. Johns County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	221 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Deed Document Number	202095939
Deed Book / Page	5082 / 1266
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 28, 2020
Property Address	221 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362
Document Number	0050821266
Book / Page	5082 / 1266
Map Reference	MB 93 PG 36-44
Instrument Date	Oct 27, 2020
Instrument	2020095939
Transaction Type	Subdivision Related Transfer
Record Updated	May 23, 2023
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362

Mortgage

Document Number	0050821268
Date	Oct 28, 2020
Instrument	5082/1268

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$474,919 (+2.7%)	$601,678 (-2.23%) Land $125,000 Building $476,678
2025	$6,040.00 (+11.96%) Homeowner's exemption	$462,433 (+2.9%)	$615,382 (+1.51%) Land $115,000 Building $500,382
2024	$5,395.00 (+20.1%) Homeowner's exemption	$449,400 (+20.4%)	$606,207 (+15.28%) Land $110,000 Building $496,207
2023	$4,492.00 (+2.79%) Homeowner's exemption	$373,248 (+3%)	$525,868 (+16.23%) Land $106,000 Building $419,868
2022	$4,370.00 Homeowner's exemption	$362,377	$452,430 Land $84,000 Building $368,430

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20